Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and American National. QuoteWizard is an independent company that helps you find the right policy at the best rate.
Compare Amica Mutual vs. American National Insurance
Get affordable car insurance quotes from top companies like Amica Mutual and American National Compare Auto Insurance RatesAmica Mutual and American National are a couple of the most top-rated companies in world of insurance. They were founded around the same time, American National was founded in 1905 and Amica was founded in 1907. Amica offers customers a straightforward claims process and American National offers a helpful customer service portal and flexible claims services.
However, American National’s website is very difficult to navigate and Amica has a habit of dropping clients. Still, both of these companies have an A+ rating from the Better Business Bureau.
So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Best If/Worst If
| Best If |
Amica Mutual
|
American National
|
| Worst If |
Amica Mutual
|
American National
|
Special Car Insurance Discounts
Amica Mutual
Legacy Discount.For drivers under 30 who have been with Amica under a family member’s insurance policy. Anti-Theft Devices Discount.This discount is given to customers who install anti-theft devices. For example, an alarm system, active or passive alarms, or vehicle recovery/tracking systems. Electronic Stability Control Discount.For cars with four-wheel electronic stability control system. Platinum Choice Auto.Another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can get multiple levels of security for your car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage. |
American National
The Fresh Start discount.This is offered to those who apply for a policy with American National before their current one expires. With this discount, you can save money on your first six months of coverage. The Association discount.This gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs. Cashback.This program is for those who insure both their cars and home with American National. But you must remain claim free for three straight years. Then you'll get a check for 25 percent of your home and auto premiums for the last three years. Every year after that you remain claim free, you’ll receive a check as well. The Three Line discount.This is offered when you insure your vehicle, home, and life with American National. The Collector’s discount.This becomes greater with each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage. |
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Standard Car Insurance Discounts
| Bundling Coverage Discounts | Amica Mutual | American National |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Amica Mutual | American National |
| Alternative Fuel | ||
| Electronic Stability Control (ESC) | ||
| Anti-Lock Brake | ||
| Anti-Theft | ||
| Passive Restraint | ||
| New Car | ||
| Economy Car | ||
| Utility Vehicle | ||
| Farm or Ranch Vehicle | ||
| Driving Record and Insurance History | Amica Mutual | American National |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Amica Mutual | American National |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Amica Mutual | American National |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Amica Mutual | American National |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
Consumer Complaint Data
| Amica Mutual Auto Insurance | American National Auto Insurance | |
|---|---|---|
| 2016 | 29 | 1 |
| 2015 | 59 | 0 |
| 2014 | 66 | 1 |
| 2013 | 61 | 0 |
U.S. Auto Insurance Shopping Study (2016)
| Amica Mutual Auto Insurance | American National Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | |
| Policy Offerings | Above average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | Among the best | |
| Insurer Website | -- |
U.S. Auto Insurance Claims Satisfaction Study (2015)
| Amica Mutual Auto Insurance | American National Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | |
| First Notice of Loss | Among the best | |
| Service Interaction | Average | |
| Appraisal | Among the best | |
| Repair Process | Average | |
| Rental Car Experience | Below average | |
| Settlement | Among the best |
Financial Strength Ratings
| Amica Mutual Auto Insurance | American National Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | -- | -- |
| S&P's | A | A |
Mobile Apps
|
Amica Mutual
Amica Mobile. This app helps you access the company’s website from your mobile device. Use it to make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile app here. |
American National
Insured2Go is ANPAC’s mobile app. The app allows you to report or track claims, review your policy information, direct access to roadside assistance, locate nearby repair shops, pay your premiums, and much more. |
Roadside Assistance
Amica Mutual
Amica Roadside AssistanceRoadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car. Roadside Services Covered
Contact Phone NumberCall 866-286-9968 to receive help on the road right away. |
American National
Easy Tow Roadside Assistance from ANPACEasy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee. But only up to the limits of your car insurance policy for roadside assistance. Call Easy Tow or access ANPAC's iPhone app Insured2Go to get service dispatched to you. Roadside Assistance Services Covered
Contact Phone NumberWith roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869). |